Looking for travel insurance benefits that cover costs related to COVID-19? From 9 December 2020 onwards, if you buy a new policy on our international, inbound and domestic plans you’ll receive cover for a number of COVID-19 travel insurance benefits.
So, whenever you’re able to escape the everyday and explore the natural beauty of Australia or an overseas destination smartraveller marks as safe during the current coronavirus pandemic, our COVID-19 travel insurance benefits can help give you peace of mind and extra confidence to book the trip you’ve been longing to take.
From 9 December 2020, new policyholders will now receive the below extended travel insurance cover for common scenarios relating to COVID-19:
When travel restrictions are eased, our international and inbound plans provide cover for medical treatment expenses incurred overseas if you’re diagnosed with COVID-19 by a qualified medical practitioner while on your journey*.
Our domestic and international plans provide cover for a number of unforeseeable amendment and cancellation costs relating to COVID-19 if you have added our cancellation cover to your policy.
Our domestic and international plans provide cover for a variety of additional costs should you find your trip plans are cut short or need to change as a result of various COVID-19-related reasons.
Our COVID-19 travel insurance benefits also provide cover for unexpected travel delays and disruptions for special events relating to COVID-19 if you’re travelling within Australia or New Zealand. To find out what we do – and don’t – cover under these sections, check out our Product Disclosure Statement (PDS).
We understand many Australian travellers are concerned about the financial impact of catching coronavirus while they’re outside Australia.
To help ease your worries and help keep you travelling when – and where – it’s safe to do so, as the government starts to lift travel restrictions our COVID-19 travel insurance benefits can provide cover for your COVID-19-related overseas medical costs*.
This cover applies if you’re diagnosed with COVID-19 by a qualified medical practitioner during your journey and includes cover for costs resulting from any medical treatment and ambulance transportation you require when suffering from COVID-19.
We cannot pay for any medical costs resulting from COVID-19 if your claim is related to you having travelled on a multi-night cruise or if you’re travelling to a country that is subject to “Do not travel” advice from smartraveller at the time you enter the country or part of the country.
We always advise travellers consider buying their travel insurance policy as soon as they book their trip, and this advice remains true during the current coronavirus pandemic, too. When you purchase a domestic or international travel insurance policy with added cancellation cover early on, you immediately have cover provided for a number of amendment and cancellation costs*.
If you’re travelling within Australia or overseas on an international, inbound or domestic policy, we can provide cover for a number of COVID-19-related cancellation and amendment situations*. We hope this gives you extra confidence to book an upcoming trip knowing COVID-19 cancellation cover is included in your travel insurance policy.
In either case, we cover up to $150 per night for you to stay somewhere else.
For full details on our travel insurance that covers coronavirus cancellation and amendment costs, see our PDS or visit our COVID-19 travel insurance FAQs page.
It doesn’t matter how much time and effort you put into planning your trip, the unexpected can always happen when you’re away from home. This was true prior to the current coronavirus pandemic and it’s still true for travellers who continue to explore in a world where COVID-19 exists.
To help you navigate a number of unexpected costs that may arise from COVID-19, our COVID-19 travel insurance benefits could help protect you from a number of scenarios that may result in unexpected costs.
If you’re an international or domestic travel insurance policyholder, we can provide cover for additional expenses incurred if:
^The two points above are subject to there being no “Do not travel” advice from smartraveller at the time you enter the country or part of the country. There is no cover if any part of your trip included travel on a multi-night cruise.
For full details on the additional expenses we cover with our COVID-19 travel insurance benefits, please read our PDS and check out our COVID-19 FAQs page.
Where are you travelling?
Australia: No, there is no medical coverage in Australia on the travel insurance policy.
New Zealand: Yes, cover is provided.
Other destinations: Yes, cover is provided but your destination must not be subject to “Do not travel” advice on the Smartraveller website at the time you enter the country or part of the country.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.
Where are you travelling?
Australia: Yes, cover is provided.
New Zealand: Yes, cover is provided.
Other destinations: Yes, cover is provided but your destination must not be subject to “Do not travel” advice on the Smartraveller website at the time you enter the country or part of the country.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.
Where are you travelling?
Australia: Yes, cover is provided.
New Zealand: Yes, cover is provided.
Other destinations: Yes, cover is provided but your destination must not be subject to “Do not travel” advice on the Smartraveller website at the time you enter the country or part of the country.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.
Where are you travelling?
Australia: Yes, cover is provided.
New Zealand: Yes, cover is provided.
Other destinations: No, cover is not provided.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.
Where are you travelling?
Australia: Yes, cover is provided.
New Zealand: Yes, cover is provided.
Other destinations: Yes, cover is provided.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: Yes, cover is provided.
Where are you travelling?
Australia: Yes, cover is provided.
New Zealand: Yes, cover is provided.
Other destinations: Yes, cover is provided.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: Yes, cover is provided.
Where are you travelling?
Australia: Yes, cover is provided.
New Zealand: Yes, cover is provided.
Other destinations: Yes, cover is provided.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: Yes, cover is provided.
Where are you travelling?
Australia: Yes, cover is provided.
New Zealand: Yes, cover is provided.
Other destinations: No, cover is not provided.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.
Where are you travelling?
Australia: Yes, cover is provided.
New Zealand: Yes, cover is provided.
Other destinations: Yes, cover is provided.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: Yes, cover is provided.
Where are you travelling?
Australia: Yes, cover is provided, but up to $150 per night for alternative accommodation.
New Zealand: Yes, cover is provided, but up to $150 per night for alternative accommodation.
Other destinations: No, cover is not provided.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: Not cruise related – see destinations.
Where are you travelling?
Australia: Yes, cover is provided.
New Zealand: Yes, cover is provided.
Other destinations: No, cover is not provided.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: Not cruise related – see destinations.
Where are you travelling?
Australia: Yes, cover is provided.
New Zealand: Yes, cover is provided.
Other destinations: No, cover is not provided.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: There is no cover if your cruise is affected by COVID-19 however, there is cover, for example, if your flight is affected.
Where are you travelling?
Australia: Yes, cover is provided.
New Zealand: Yes, cover is provided.
Other destinations: No, cover is not provided.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: There is no cover if your cruise is affected by COVID-19 however, there is cover, for example, if your flight is affected.
Where are you travelling?
Australia: Yes, cover is provided.
New Zealand: Yes, cover is provided.
Other destinations: No, cover is not provided.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: There is no cover if your cruise is affected by COVID-19 however, there is cover, for example, if your flight is affected.
Where are you travelling?
Australia: Yes, cover is provided, but your destination must not be subject to “Do not travel” advice on the Smartraveller website at the time you enter the country or part of the country
New Zealand: No, cover is not provided.
Other destinations: No, cover is not provided.
Are you cruising?
If your trip includes a multi-night cruise and COVID-19 is related directly or indirectly to travel on board the cruise: No, cover is not provided.
Unfortunately, our COVID-19 travel insurance benefits can’t cover absolutely every scenario that may occur as a result of the global pandemic. We encourage you to read the PDS and check out our COVID-19 FAQs page before you consider purchasing our travel insurance to ensure it’s adequate for you and your trip.
you incur costs or expenses as a result of a government or public health authority mandatory quarantine or isolation order being imposed on you in relation to cross area, border, region or territory travel.
the government bans travel before or during travel such as: “Do Not Travel” travel warnings; government directed border closures; or mandatory quarantine or self-isolation requirements related to cross area, border, region or territory travel.
your claim is caused by the threat – or perceived threat – of COVID-19
Please note: some of our coronavirus travel insurance benefits only apply if you are travelling within Australia and New Zealand.
If you’re itching to get travelling again but want to ensure your trip is protected against a number of COVID-19 scenarios during the current coronavirus pandemic, our international, inbound and domestic plans can help.
You can get a FREE quote and purchase online today for instant cover or call 1300 72 88 22 to purchase our travel insurance with COVID-19 benefits over the phone.
Or, if you’ve got questions you’d like answered, see our COVID-19 FAQs page or call our friendly team on 1300 72 88 22.
Otherwise, stay safe, and keep travelling.
This is general advice only.
*Limits, sub-limits, conditions, and exclusions apply. For full details on exactly what’s covered by our COVID-19 travel insurance benefits, please read our Product Disclosure Statement (PDS) document.
~Medical cover will not exceed 12 months from onset.
#Cover for additional and medical costs related to COVID-19 are not available on our Domestic Cancellation Plan.
†Cover for additional, amendment and cancellation costs related to COVID-19 are not available on our International Medical Only Plan or our Inbound Plan.